EXHIBIT 99

275 West Federal Street
Youngstown, Ohio 44503-1203

FOR IMMEDIATE RELEASE

Media Contact:	Investor Contact:
Pamela S. Kloss	James R. Reske
Senior Vice President, Administration	Chief Financial Officer
Home Savings	United Community Financial Corp.
(330) 742-0625	(330) 742-0592
pkloss@homesavings.com	jreske@ucfconline.com

United Community Financial Corp. Announces Third Quarter Results

YOUNGSTOWN, Ohio (November 12, 2010) — United Community Financial Corp. (Company) (Nasdaq: UCFC), holding company of The Home Savings and Loan Company (Home Savings), today reported a consolidated net loss of $9.9 million, or $(0.32) per diluted share, for the three months ended September 30, 2010. This compares to a net loss of $867,000, or $(0.03) per diluted share, for the three months ended September 30, 2009. The Company also reported a cumulative net loss of $19.9 million, or $(0.66) per diluted share, for the nine months ended September 30, 2010 as compared to a cumulative net loss of $511,000, or $(0.02) per diluted share, for the nine months ended September 30, 2009.

The increased losses in both the third quarter and the nine months ended September 30, 2010 are substantially a result of increases in the provision for loan losses. The increased provision in both time periods is a result of a higher level of chargeoff activity, additional loan downgrades within the commercial real estate portfolio and increased specific reserves assigned to a number of commercial real estate loans.

Selected third quarter results:

• Nonperforming loans reduced $12.4 million to $142.7 million from last quarter

• Nonperforming assets reduced $14.2 million to $183.0 million from last quarter

• Net interest margin improved 12 basis points to 3.42% compared to 3.30% last quarter

• Tier 1 leverage ratio was 8.23%

• Total Risk Based Capital was 13.12%

• Book value per share and tangible book value per share were $6.51 and $6.49, respectively

4

As previously announced, the Board of Directors of UCFC has approved the appointment of Patrick W. Bevack as the President and Chief Executive Officer of UCFC, in addition to his current role as President and Chief Executive Officer of Home Savings. In accordance with applicable law, UCFC was required to obtain the consent of the Office of Thrift Supervision for this appointment, which the Board is pleased to announce it received on October 19, 2010. Mr. Bevack’s appointment will be effective January 1, 2011, following the retirement of Douglas M. McKay on December 31, 2010.

Asset Quality

Nonperforming loans at September 30, 2010 decreased to $142.7 million, compared to $155.1 million at June 30, 2010, a decrease of $12.4 million during the period. Real estate owned and other repossessed assets were $40.3 million at September 30, 2010, as compared to $42.0 million at June 30, 2010. Nonperforming assets decreased $14.2 million, from $197.2 million at June 30, 2010, to $183.0 million at September 30, 2010.

Mr. Bevack commented that he expects to see continued improvement in asset quality in the near term. “While we are pleased to see certain asset quality performance measures improve from the previous quarter, the continued reduction of nonperforming assets is critical to UCFC returning to profitability. We will continue to devote the resources necessary to accelerate the trend in the reduction of nonperforming assets.”

Net Interest Income

The Company’s net interest margin increased to 3.42% for the quarter ended September 30, 2010 from 3.30% for the quarter ended June 30, 2010. Approximately half of the twelve basis point increase was due to the receipt of a large prepayment fee from a borrower during the quarter while the other half of the increase was primarily due to certificates of deposit repricing lower at a faster pace than the Company’s assets.

Capital and Book Value

The Company’s Tier 1 leverage ratio was 8.23% as of September 30, 2010, compared to 8.22% at December 31, 2009. The Company’s total risk-based capital ratio was 13.12% at September 30, 2010, as compared to 12.80% at December 31, 2009. Book value per share and tangible book value per share at September 30, 2010 were $6.51 and $6.49, respectively. “Despite the economic challenges, we are pleased to see that our capital ratios have remained stable in 2010 and our book value remains above $6.50 per share,” noted Mr. Bevack.

Home Savings is a wholly-owned subsidiary of the Company and operates 38 full-service banking offices and six loan production offices located throughout Ohio and western Pennsylvania. Additional information on the Company and Home Savings may be found on the Company’s web site: www.ucfconline.com.

###

5

When used in this press release, the words or phrases “believes,” “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimate,” “project” or similar expressions are intended to identify “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are subject to certain risks and uncertainties, including changes in economic conditions in the Company’s market area, changes in policies by regulatory agencies, fluctuations in interest rates, demand for loans in the Company’s market area, and competition that could cause actual results to differ materially from historical earnings and those presently anticipated or projected. The Company cautions readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. The Company advises readers that the factors listed above could affect the Company’s financial performance and could cause the Company’s actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements.

The Company does not undertake, and specifically disclaims any obligation, to release publicly the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

6

UNITED COMMUNITY FINANCIAL CORP.
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
(Unaudited)

	September 30,			December 31,
	2010			2009
	(Dollars in thousands)
Assets:
Cash and deposits with banks	$	21,110		$	22,330
Federal funds sold and other		19,613			22,744
Total cash and cash equivalents		40,723			45,074
Securities:
Available for sale, at fair value		390,636			281,348
Loans held for sale		15,376			10,497
Loans, net of allowance for loan losses of $40,884 and $42,287, respectively		1,726,381			1,866,018
Federal Home Loan Bank stock, at cost		26,464			26,464
Premises and equipment, net		22,149			23,139
Accrued interest receivable		8,963			9,090
Real estate owned and other repossessed assets		40,297			30,962
Core deposit intangible		525			661
Cash surrender value of life insurance		27,028			26,198
Other assets		19,406			18,976
Total assets	$	2,317,948		$	2,338,427
Liabilities and Shareholders’ Equity
Liabilities:
Deposits:
Interest bearing	$	1,557,113		$	1,642,722
Non-interest bearing		127,920			126,779
Total deposits		1,685,033			1,769,501
Borrowed funds:
Federal Home Loan Bank advances		306,606			221,323
Repurchase agreements and other		97,802			96,833
Total borrowed funds		404,408			318,156
Advance payments by borrowers for taxes and insurance		16,037			19,791
Accrued interest payable		928			1,421
Accrued expenses and other liabilities		10,209			9,775
Total liabilities		2,116,615			2,118,644
Shareholders’ Equity:
Preferred stock-no par value; 1,000,000 shares authorized and unissued		—			—
Common stock-no par value; 499,000,000 shares authorized; 37,804,457 shares issued and 30,925,384 and 30,897,825 shares, respectively, outstanding		142,899			145,775
Retained earnings		128,476			148,674
Accumulated other comprehensive income		2,622			4,110
Unearned employee stock ownership plan shares		—			(5,821	)
Treasury stock, at cost, 6,879,073 and 6,906,632 shares, respectively		(72,664	)		(72,955	)
Total shareholders’ equity		201,333			219,783
Total liabilities and shareholders’ equity	$	2,317,948		$	2,338,427

UNITED COMMUNITY FINANCIAL CORP.
CONSOLIDATED STATEMENTS OF INCOME
(Unaudited)

	For the Three Months Ended						For the Nine Months Ended
	September 30,						September 30,
	2010			2009			2010			2009
	(Dollars in thousands, except per share data)
Interest income
Loans	$	24,589		$	29,389		$	75,350		$	90,532
Loans held for sale		109			99			248			578
Securities:
Available for sale		3,235			2,925			8,716			8,491
Federal Home Loan Bank stock dividends		297			330			891			923
Other interest earning assets		10			12			25			50
Total interest income		28,240			32,755			85,230			100,574
Interest expense
Deposits		7,528			11,037			25,254			35,762
Federal Home Loan Bank advances		984			1,348			2,707			4,775
Repurchase agreements and other		942			965			2,796			3,216
Total interest expense		9,454			13,350			30,757			43,753
Net interest income		18,786			19,405			54,473			56,821
Provision for loan losses		17,116			5,579			39,876			26,334
Net interest income after provision for loan losses		1,670			13,826			14,597			30,487
Non-interest income
Non-deposit investment income		388			366			1,300			1,074
Service fees and other charges		1,563			2,012			3,738			6,245
Net gains (losses):
Securities available for sale		781			481			7,295			1,863
Other -than-temporary loss on equity securities
Total impairment loss		(44	)		(572	)		(44	)		(722	)
Loss recognized in other comprehensive income		—			—			—			—
Net impairment loss recognized in earnings		(44	)		(572	)		(44	)		(722	)
Mortgage banking income		1,419			559			2,456			3,487
Real estate owned and other repossessed assets		(1,273	)		(3,964	)		(4,512	)		(6,301	)
Gain on retail branch sale		—			—			1,388			—
Other income		1,281			1,237			3,799			3,421
Total non-interest income		4,115			119			15,420			9,067
Non-interest expense
Salaries and employee benefits		7,568			7,558			24,847			23,345
Occupancy		850			915			2,693			2,798
Equipment and data processing		1,562			1,578			4,949			4,968
Franchise tax		498			537			1,512			1,684
Advertising		205			261			574			677
Amortization of core deposit intangible		43			54			136			172
Deposit insurance premiums		1,391			1,531			4,311			6,254
Professional fees		948			951			2,921			2,574
Real estate owned and other repossessed asset expenses		1,027			527			2,658			2,282
Other expenses		1,608			1,473			5,358			4,232
Total non-interest expenses		15,700			15,385			49,959			48,986
Income (loss) before income taxes and discontinued operations		(9,915	)		(1,440	)		(19,942	)		(9,432	)
Income taxes expense (benefit)		—			(573	)		—			(3,972	)
Net income (loss) before discontinued operations		(9,915	)		(867	)		(19,942	)		(5,460	)
Discontinued operations
Net income of Butler Wick Corp., net of tax		—			—			—			4,949
Net income (loss)	$	(9,915	)	$	(867	)	$	(19,942	)	$	(511	)
Earnings (loss) per share
Basic—continuing operations	$	(0.32	)	$	(0.03	)	$	(0.66	)	$	(0.19	)
Basic—discontinued operations		—			—			—			0.17
Basic		(0.32	)		(0.03	)		(0.66	)		(0.02	)
Diluted—continuing operations		(0.32	)		(0.03	)		(0.66	)		(0.19	)
Diluted—discontinued operations		—			—			—			0.17
Diluted		(0.32	)		(0.03	)		(0.66	)		(0.02	)

UNITED COMMUNITY FINANCIAL CORP.
SELECTED FINANCIAL HIGHLIGHTS
(Unaudited)

	At or for the quarters ended
	September 30,			June 30,			March 31,			December 31,			September 30,
	2010			2010			2010			2009			2009
	(In thousands, except per share data)
Financial Data
Total assets	$	2,317,948		$	2,314,109		$	2,279,719		$	2,338,427		$	2,462,185
Total loans, net		1,726,381			1,786,038			1,823,899			1,866,018			1,919,803
Total securities		390,636			307,154			272,239			281,348			296,461
Total deposits		1,685,033			1,696,531			1,728,592			1,769,501			1,755,503
Total shareholders’ equity		201,333			212,691			214,482			219,783			235,926
Net interest income		18,786			17,971			17,716			19,093			19,405
Provision for loan losses		17,116			10,310			12,450			22,740			5,579
Noninterest income, excluding other-than-temporary impairment losses		4,159			4,745			6,560			4,907			691
Net impairment losses recognized in earnings		44			—			—			56			572
Noninterest expense		15,700			17,291			16,968			14,654			15,385
Income tax expense (benefit)		—			—			—			2,812			(573	)
Net loss		(9,915	)		(4,885	)		(5,142	)		(16,262	)		(867	)
Share Data
Basic loss per share	$	(0.32	)	$	(0.16	)	$	(0.17	)	$	(0.54	)	$	(0.03	)
Diluted loss per share		(0.32	)		(0.16	)		(0.17	)		(0.54	)		(0.03	)
Dividends declared per share		—			—			—			—			—
Book value per share		6.51			6.88			6.94			7.11			7.64
Tangible book value per share		6.49			6.87			6.92			7.09			7.61
Market value per share		1.33			1.68			1.50			1.45			1.74
Shares outstanding at end of period		30,925			30,898			30,898			30,898			30,898
Weighted average shares outstanding—basic		30,899			30,039			29,955			29,879			29,803
Weighted average shares outstanding—diluted		30,899			30,039			29,955			29,879			29,803
Key Ratios
Return on average assets		-1.70	%		-0.85	%		-0.90	%		-2.69	%		-0.14	%
Return on average equity		-18.41	%		-8.91	%		-9.18	%		-27.18	%		-1.45	%
Net interest margin		3.42	%		3.30	%		3.28	%		3.33	%		3.32	%
Efficiency ratio		66.80	%		82.92	%		78.59	%		56.97	%		65.02	%
Capital Ratios
Tier 1 leverage ratio		8.23	%		8.71	%		8.47	%		8.22	%		8.68	%
Tier 1 risk-based capital ratio		11.85	%		11.90	%		11.47	%		11.53	%		11.77	%
Total risk-based capital ratio		13.12	%		13.16	%		12.73	%		12.80	%		13.03	%
Equity to assets		8.69	%		9.19	%		9.41	%		9.40	%		9.58	%
Tangible common equity to tangible assets		8.67	%		9.17	%		9.38	%		9.37	%		9.56	%

UNITED COMMUNITY FINANCIAL CORP.
SELECTED FINANCIAL HIGHLIGHTS
(Unaudited)

	At or for the quarters ended
	September 30,			June 30,			March 31,			December 31,			September 30,
	2010			2010			2010			2009			2009
	(Dollars in thousands, except per share data)
Loan Portfolio Composition
Real Estate Loans
One-to four-family residential	$	778,005		$	779,565		$	777,380		$	773,831		$	771,891
Multi-family residential*		136,681			138,875			143,992			150,480			158,342
Nonresidential*		355,914			383,882			389,407			397,895			407,853
Land*		25,413			26,217			25,122			23,502			23,625
Construction Loans
One-to four-family residential and land development		117,297			133,534			161,625			178,095			190,123
Multi-family and nonresidential*		14,537			14,870			14,682			13,741			13,675
Total real estate loans		1,427,847			1,476,943			1,512,208			1,537,544			1,565,509
Consumer Loans		289,296			295,007			301,457			309,202			320,106
Commercial Loans		48,902			53,566			56,726			60,217			71,727
Total Loans		1,766,045			1,825,516			1,870,391			1,906,963			1,957,342
Less:
Allowance for loan losses		40,884			40,728			47,768			42,287			38,845
Deferred loan costs, net		(1,220	)		(1,250	)		(1,276	)		(1,342	)		(1,306	)
Total		39,664			39,478			46,492			40,945			37,539
Loans, net	$	1,726,381		$	1,786,038		$	1,823,899		$	1,866,018		$	1,919,803

* Such categories are considered commercial real estate

	At or for the quarters ended
	September 30,			June 30,			March 31,			December 31,			September 30,
	2010			2010			2010			2009			2009
	(Dollars in thousands, except per share data)
Deposit Portfolio Composition
Checking accounts
Interest bearing checking accounts	$	103,204		$	104,905		$	101,068		$	108,513		$	102,525
Non-interest bearing checking accounts		128,702			126,437			125,741			126,779			115,092
Total checking accounts		231,906			231,342			226,809			235,292			217,617
Savings accounts		214,197			212,778			210,091			202,900			199,233
Money market accounts		310,884			310,506			300,610			291,320			282,438
Total non-time deposits		756,987			754,626			737,510			729,512			699,288
Retail certificates of deposit		928,046			939,568			988,747			1,024,961			1,041,196
Brokered certificates of deposit		—			2,337			2,335			15,028			15,019
Total certificates of deposit		928,046			941,905			991,082			1,039,989			1,056,215
Total deposits	$	1,685,033		$	1,696,531		$	1,728,592		$	1,769,501		$	1,755,503
Certificates of deposit as a percent of total deposits		55.08	%		55.52	%		57.33	%		58.77	%		60.17	%

UNITED COMMUNITY FINANCIAL CORP.
SELECTED FINANCIAL HIGHLIGHTS
(Unaudited)

	At or for the quarters ended
	September 30,			June 30,			March 31,			December 31,			September 30,
	2010			2010			2010			2009			2009
	(Dollars in thousands, except per share data)
Allowance For Loan Losses
Beginning balance	$	40,728		$	47,768		$	42,287		$	38,845		$	39,832
Provision		17,116			10,310			12,450			22,740			5,579
Net chargeoffs		(16,960	)		(17,350	)		(6,969	)		(19,298	)		(6,566	)
Ending balance	$	40,884		$	40,728		$	47,768		$	42,287		$	38,845
Net Charge-offs
Real Estate Loans
One-to four-family	$	1,834		$	2,318		$	998		$	762		$	1,634
Multi-family		160			1,067			1,585			208			254
Nonresidential		7,041			25			1,951			1,410			435
Land		11			—			318			—			—
Construction Loans
One-to four-family residential and land development		6,595			11,924			1,018			3,860			2,724
Multi-family and nonresidential		—			310			—			118			—
Total real estate loans		15,641			15,644			5,870			6,358			5,047
Consumer Loans		905			1,330			904			1,312			1,447
Commercial Loans		414			376			195			11,628			72
Total	$	16,960		$	17,350		$	6,969		$	19,298		$	6,566

	At or for the quarters ended
	September 30,		June 30,		March 31,		December 31,		September 30,
	2010		2010		2010		2009		2009
	(Dollars in thousands, except per share data)
Nonperforming Loans
Real Estate Loans
One-to four family residential	$	27,505	$	30,279	$	30,054	$	26,766	$	25,808
Multi-family residential		12,443		8,816		7,885		7,863		5,612
Nonresidential		44,561		48,653		36,083		24,091		16,623
Land		5,943		5,943		11,627		5,160		5,168
Construction Loans
One-to four-family residential and land development		40,000		49,146		42,963		42,819		46,623
Multi-family and nonresidential		2,414		2,414		382		392		531
Total real estate loans		132,866		145,251		128,994		107,091		100,365
Consumer Loans		3,543		3,482		3,898		5,383		5,253
Commercial Loans		6,304		6,407		5,672		3,413		6,174
Total Loans	$	142,713	$	155,140	$	138,564	$	115,887	$	111,792
Total Nonperforming Loans and Nonperforming Assets
Past due 90 days and on nonaccrual status	$	126,062	$	129,534	$	131,951	$	103,864	$	93,806
Past due 90 days and still accruing		4,253		2,628		536		3,669		4,330
Past due 90 days		130,315		132,162		132,487		107,533		98,136
Past due less than 90 days and on nonaccrual		12,398		22,978		6,077		8,354		13,656
Total Nonperforming Loans		142,713		155,140		138,564		115,887		111,792
Other Real Estate Owned		39,963		41,470		34,605		30,340		26,905
Repossessed Assets		334		576		813		622		702
Total Nonperforming Assets	$	183,010	$	197,186	$	173,982	$	146,849	$	139,399
Total Troubled Debt Restructured Loans
Accruing	$	13,254	$	18,214	$	23,153	$	17,640	$	1,949
Non-accruing		14,934		10,855		8,764		5,008		1,469
Total	$	28,188	$	29,069	$	31,917	$	22,648	$	3,418